与伊朗战争相关的空域关闭已使数十万名旅客受困，并取消了至少23,000架次飞往中东枢纽机场的航班，暴露出年度310亿美元旅行保险市场中的重大保障缺口。Allianz SE 与 Zurich Insurance Group 等保险公司的标准保单通常排除由战争直接造成的损失，因此替代航班、延长住宿饭店停留与许多中断成本都不予理赔。旅客因此必须依赖航空公司改订，或自行支付费用，有时高达数千美元。
Jodi Bird 与 Insurance Council of Australia 表示，战争除外条款实际上近乎一体适用，因为武装冲突的规模过大且不可预测，保险公司无法以可持续方式定价。部分保险公司将对在冲突开始前已在海外的客户免费延长现有保障，但仅限于与战争无关的理赔，例如医疗治疗或行李遗失。即使是高保费的「cancel for any reason」产品，通常也只会赔付预付成本的一部分，且设有上限，因此实际救济有限。
社群媒体上的回报显示，财务冲击是即时的：旅客描述了被迫折返、改道机票票价大幅更高，以及年度、单次旅行或信用卡附带保单因细则中提及军事行动或其「domino effect」而遭拒赔。这一事件发生之际，航空需求已回升至接近疫情前水准，使海湾地区枢纽对长程交通与航空公司营收尤其重要。消费者倡议者与律师 Steven Berger 指出，法律保障仍因司法管辖区而差异很大，尽管欧盟规则在特殊中断期间仍可能要求航空公司提供餐食与饭店住宿。
Iran war-related airspace closures have stranded hundreds of thousands of travelers and canceled at least 23,000 flights to Middle East hub airports, exposing a major protection gap in the annual US$31 billion travel-insurance market. Standard policies from insurers such as Allianz SE and Zurich Insurance Group generally exclude losses directly caused by war, so replacement flights, extended hotel stays, and many disruption costs are not reimbursed. Travelers therefore must depend on airline rebooking or pay out of pocket, sometimes by thousands of US dollars.
Jodi Bird and the Insurance Council of Australia said war exclusions are effectively blanket terms because armed conflict is too large and unpredictable for insurers to price sustainably. Some insurers will extend existing coverage at no extra cost for people already abroad before the conflict started, but only for non-war claims such as medical treatment or lost baggage. Even premium “cancel for any reason” products usually reimburse only part of prepaid costs and impose caps, limiting practical relief.
Social-media reports show the financial shock is immediate: passengers described forced turnarounds, alternate-route tickets at far higher fares, and annual, single-trip, or credit-card policies denied under fine-print references to military action or its “domino effect.” The episode comes as aviation demand has recovered toward pre-pandemic levels, making Gulf hubs especially important for long-haul traffic and airline revenue. Consumer advocates and lawyer Steven Berger noted that legal protections still vary sharply by jurisdiction, although EU rules may still require meals and hotel stays during extraordinary disruptions.